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Residential Mortgage Loans

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There Is A TotalBank Residential Mortgage For You

From conventional fixed rate loans, jumbo loans, and specialty mortgage loans, we specialize in a variety of loan options that are innovative and flexible to meet your needs.1

Refinancing your existing loan can lower your monthly payment and reduce your interest rate. Learn more about your options for paying off your loan sooner. Taking advantage of today's low rates is just one of the many reasons to consider refinancing your mortgage.

Buying a home can be one of the most important financial decisions many people will make. TotalBank provides a variety of flexible, customizable options for your mortgage. All loans come with the convenience of local application, approval and closing process.

Conventional Loans

  • Loans up to $806,500
  • Fixed and Adjustable Rates
  • Up to 97% Loan to Value (LTV)

Department of Veterans Affairs (VA) Loans

  • Purchase and Refinance
  • Low and no down payment options
  • Up to 100% Loan to Value (LTV) for VA Loans 2

FEDERAL HOUSING ADMINISTRATION (FHA) Loans

  • Purchase and Refinance
  • Down payments as low as 3.5% allowed, depending on borrower's FICO score

FIRST-TIME HOMEBUYER PROGRAM

Designed to make home buying for low to moderate income borrowers more accessible3

  • Loan-to-value ratios as high as 97%
  • Up to $5,000 toward closing cost and/or down payment
  • Fixed mortgages
  • Refinance options available
  • No private mortgage insurance required

Our Residential Mortgage Experience.

TotalBank has a specialized Residential Mortgage Team ready to help you with your next home loan. From application to closing, we enable the swift processing of your application.

Our way of working includes:

  • Clear and concise application
  • Multiple, flexible loan options
  • Convenient closing to meet your schedule
  • Exceptional residential mortgages tailored to meet your needs

Solution-Driven Lending

  • Portfolio Loans - we specialize in mortgages that are innovative and flexible to meet our clients needs.
  • Every mortgage is different because every borrower is unique. That's why we offer residential mortgages in every shape and size, flexible and innovative.

TotalBank is a registered Trademark and marketing name used by City National Bank of Florida (“CNBFL”). All loans and deposit products are offered by or provided through CNBFL. Loan products are not FDIC insured or guaranteed. CNBFL is Member FDIC and an Equal Housing Lender.

1All loans are subject to credit approval and loan requirements. Terms and conditions apply. This is not a commitment to lend. Loan programs, terms, rates, and conditions are subject to change without notice

2 If the loan amount exceeds the value of the dwelling, the interest on the portion of the loan that exceeds the dwelling’s value is not tax-deductible. Consult with a tax advisor to understand the tax implications.

3 Geographic and income restrictions may apply.

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FINANCIAL EDUCATION PROGRAM

Take control of your finances and make your money work for you

The FDIC Money Smart Program is designed to boost your financial skills. You can explore Money Smart resources, as they are available 24/7.

These tools are free of charge and available for all, so remember to share the tools with your family and friends.

Explore The FDIC Money Smart Program

Please note: TotalBank does not offer tax, legal or accounting advice

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TotalBank is a registered Trademark and marketing name used by City National Bank of Florida (“CNBFL”). All loans and deposit products are offered by or provided through CNBFL. Loan products are not FDIC insured or guaranteed. CNBFL is Member FDIC and an Equal Housing Lender.

Deposit balances held with CNBFL are insured by the Federal Deposit Insurance Corporation (FDIC) up to the applicable maximum amount allowed by law for each deposit ownership category. Learn more about FDIC Insurance coverage by visiting https://www.fdic.gov/deposit.

Loan products offered by or provided through CNBFL are not eligible for FDIC insurance or guaranteed. Loan products are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Variable interest rates are subject to change without notice.

© 2024 City National Bank of Florida, All Rights Reserved. Trademarks belong to their respective owners.  Member FDIC. Equal Housing Lender.

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